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Mukhyamantri Rojgar Nirmiti Karyakram (CMEGP)

मुख्यमंत्री रोजगार निर्मिती कार्यक्रम (CMEGP)

CMEGP Maharashtra — Naya chhota udyog ya seva unit shuru karne ke liye project cost par 15%–35% margin-money subsidy + bank loan — utpadan (manufacturing) ₹50 lakh tak ke project

Seedha jawaab: Naya chhota udyog ya seva unit shuru karne ke liye project cost par 15%–35% margin-money subsidy + bank loan — utpadan (manufacturing) ₹50 lakh tak ke project.

Vibhag: Udyog Sanchalanalaya (Directorate of Industries) va Maharashtra Rajya Khadi va Gramodyog Mandal (MSKVIB), Maharashtra Shasan · Official portal: maha-cmegp.gov.in · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

Mukhyamantri Rojgar Nirmiti Karyakram (CMEGP) Maharashtra sarkar ka PMEGP-pattern wala karyakram hai, jo 2019 me Nava Udyog Niti ke antargat shuru hua. Isme naye sookshm-laghu udyam (micro/small enterprise) shuru karne ke liye bank loan ke saath sarkar margin-money subsidy deti hai — aam varg ko shahari kshetra me 15% aur gramin me 25%, vishesh varg (SC/ST/OBC/mahila/bhootpoorva sainik/divyang) ko shahari me 25% aur gramin me 35%. Udyami ko khud ka hissa aam varg me 10% aur vishesh varg me 5% lagana hota hai. Subsidy pehle se nahi milti — ye back-ended hoti hai (bank me 3 saal ke liye term deposit me rehti hai, unit safal chalne par loan me samaayojit hoti hai). Awedan maha-cmegp.gov.in portal se online hota hai; karyanvayan Jila Udyog Kendra (DIC) aur Khadi Gramodyog Mandal ke madhyam se hota hai.

Kaun patr hai ✓

  • Awedak ki umar 18 se 45 saal ho (vishesh varg — SC/ST/OBC/mahila/bhootpoorva sainik/divyang — ko 5 saal ki chhoot)
  • Awedak Maharashtra ka nivasi (domicile) ho
  • Sirf NAYA unit/udyam patr hai — chal raha unit ya uska vistar nahi
  • Ek parivaar (pati-patni) se kewal ek hi vyakti ko labh milega
  • Awedak ne kendra ya rajya ki kisi anya subsidy yojana (PMEGP aadi) ka labh pehle na liya ho
  • Shiksha: ₹10 lakh se bade project ke liye kam se kam 7vi pass, ₹25 lakh se bade project ke liye 10vi pass
  • Aay ki koi seema nahi hai (no income ceiling)

Kaun patr NAHI hai ✗

  • Pehle se chal raha business/unit — uske vistar ke liye ye yojana nahi hai
  • Jo vyakti PMEGP ya anya sarkari subsidy pehle le chuka ho
  • Ek hi parivaar ke dusre sadasya ka alag se awedan
  • Zameen ki keemat project cost me shamil nahi hoti — bhavan nirman par seema (project cost ka 20% tak) aur karyashil poonji (30% tak) ke niyam lagu hote hain; antim niyam portal ki guidelines me dekhein

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Portal par online arj kareinmaha-cmegp.gov.in par registration karke online form bharein, project report (DPR) aur dastavej upload karein. Dhyaan dein — CMEGP ke liye awedan sirf online portal se hota hai.
  2. DIC/KVIB se janch aur sifarishAwedan Jila Udyog Kendra (DIC) ya Khadi Gramodyog Mandal dwara janch kar bank ko bheja jata hai. Zaroorat padne par aapko karyalaya bulaya ja sakta hai.
  3. Bank se loan manzooriBank project ki vyavaharyata (viability) dekh kar loan sanction karta hai. Loan par byaaj bank ke niyamon ke anusaar lagta hai — subsidy sirf margin-money hisse par hai.
  4. EDP prashikshanLoan manzoori ke baad udyamita vikas prashikshan (EDP training) poora karna hota hai — ye karyakram ka anivarya hissa hai.
  5. Loan vitran aur subsidyPrashikshan ke baad bank loan deta hai aur unit shuru hota hai. Margin-money subsidy bank me 3 saal ke liye term deposit (TDR) me rehti hai; unit niyamit chalne par wah loan khate me samaayojit hoti hai. Beech me unit band ho jaye to subsidy vasuli ke niyam lagu hote hain.

Status / kist kaise check karein

  1. Portal par awedan ki sthitimaha-cmegp.gov.in par login karke apne awedan ki sthiti (DIC janch, bank ko bheja, sanction aadi charan) dekhi ja sakti hai.
  2. DIC/KVIB karyalaya se jankariDer ho ya koi jankari adhuri ho to apne jile ke Jila Udyog Kendra se application ID ke saath sampark karein.
  3. Bank se samparkLoan charan me bank ki shakah (branch) se saaksh (credit) adhikari se mil kar prakriya ki sthiti janein.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (maha-cmegp.gov.in) se karein.

Aksar puche jaane wale sawal (FAQ)

CMEGP me kitni subsidy milti hai?

Margin-money subsidy project cost par milti hai — aam varg: shahari 15%, gramin 25%. Vishesh varg (SC/ST/OBC/mahila/bhootpoorva sainik/divyang): shahari 25%, gramin 35%. Khud ka hissa aam varg ko 10% aur vishesh varg ko 5% lagana hota hai, baaki bank loan hota hai. Misal: gramin kshetra me vishesh varg ke ₹10 lakh ke project par ₹3.5 lakh subsidy, ₹50,000 khud ka hissa aur ₹6 lakh bank loan.

Kitne bade project ke liye arj kar sakte hain?

Utpadan (manufacturing) kshetra me project cost ki seema ₹50 lakh hai. Seva kshetra ke liye MSKVIB ke vivaran me ₹10 lakh aur kuch taaza suchnaon me ₹20 lakh tak ki seema milti hai — arj se pehle portal par maujud taaza guidelines me apne kshetra ki seema confirm karein. Zameen ki keemat project cost me nahi gini jati.

Kya ye paisa muft milta hai?

Nahi. Ye loan-juda (credit-linked) karyakram hai — bada hissa bank loan hai, jise byaaj sahit chukana hota hai. Sirf margin-money wala hissa (15%–35%) subsidy hai, aur wo bhi 3 saal unit safal chalne ke baad hi pakki hoti hai.

CMEGP aur PMEGP me kya antar hai?

PMEGP kendra sarkar ka karyakram hai (KVIC), CMEGP Maharashtra rajya ka hai. Dono ka pattern (margin money + bank loan) ek jaisa hai, lekin CMEGP ke dar aur prakriya rajya ki guidelines se chalti hai. Ek vyakti dono ka labh ek saath nahi le sakta.

Kaun-kaun se vyavasay ke liye arj ho sakta hai?

Utpadan (food processing, fabrication, garments aadi), seva (salon, repair, printing aadi) aur krishi-aadharit (dairy, poultry, madhumeh... madhumakkhi palan aadi) naye unit patr hain. Nashili vastu, mans-machhli vikri jaise pratibandhit vyavasayon ki suchi portal ki guidelines me di hoti hai — arj se pehle zaroor dekhein.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

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CMEGP Maharashtra — WhatsApp share poster

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